Gold Classic Standard
Gold · EPO · Oscar Insurance Company · Texas
At age 40 it costs between $565.69 and $747.57 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 20069TX0100053 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Gold |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-672-2755 |
Where it is sold, and what it costs there
47 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Milam County | $442.65 | $502.39 | $565.69 | $790.55 | $1,201.31 |
| Austin County | $482.63 | $547.77 | $616.79 | $861.96 | $1,309.83 |
| Brazoria County | $482.63 | $547.77 | $616.79 | $861.96 | $1,309.83 |
| Fort Bend County | $482.63 | $547.77 | $616.79 | $861.96 | $1,309.83 |
| Waller County | $482.63 | $547.77 | $616.79 | $861.96 | $1,309.83 |
| Hidalgo County | $485.78 | $551.35 | $620.81 | $867.58 | $1,318.37 |
| Atascosa County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Bandera County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Bexar County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Comal County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Gonzales County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Guadalupe County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Kendall County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| La Salle County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Medina County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| Wilson County | $488.68 | $554.64 | $624.52 | $872.76 | $1,326.24 |
| McMullen County | $489.55 | $555.63 | $625.63 | $874.32 | $1,328.61 |
| Cameron County | $491.22 | $557.53 | $627.77 | $877.31 | $1,333.16 |
| Kenedy County | $491.22 | $557.53 | $627.77 | $877.31 | $1,333.16 |
| Willacy County | $491.22 | $557.53 | $627.77 | $877.31 | $1,333.16 |
| El Paso County | $496.01 | $562.96 | $633.89 | $885.85 | $1,346.14 |
| Hudspeth County | $496.01 | $562.96 | $633.89 | $885.85 | $1,346.14 |
| Galveston County | $498.42 | $565.70 | $636.97 | $890.16 | $1,352.69 |
| Harris County | $498.42 | $565.70 | $636.97 | $890.16 | $1,352.69 |
| Cooke County | $508.19 | $576.78 | $649.45 | $907.61 | $1,379.20 |
| Collin County | $509.72 | $578.52 | $651.41 | $910.34 | $1,383.35 |
| Dallas County | $509.72 | $578.52 | $651.41 | $910.34 | $1,383.35 |
| Ellis County | $509.72 | $578.52 | $651.41 | $910.34 | $1,383.35 |
| Rockwall County | $509.72 | $578.52 | $651.41 | $910.34 | $1,383.35 |
| Jack County | $514.13 | $583.53 | $657.05 | $918.22 | $1,395.33 |
| Liberty County | $516.09 | $585.75 | $659.55 | $921.72 | $1,400.65 |
| Montgomery County | $516.09 | $585.75 | $659.55 | $921.72 | $1,400.65 |
| Walker County | $516.09 | $585.75 | $659.55 | $921.72 | $1,400.65 |
| Denton County | $553.02 | $627.67 | $706.75 | $987.68 | $1,500.88 |
| Parker County | $553.02 | $627.67 | $706.75 | $987.68 | $1,500.88 |
| Tarrant County | $553.02 | $627.67 | $706.75 | $987.68 | $1,500.88 |
| Wise County | $553.02 | $627.67 | $706.75 | $987.68 | $1,500.88 |
| Bastrop County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Blanco County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Burnet County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Caldwell County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Hays County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Lee County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Llano County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Travis County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| Williamson County | $570.10 | $647.05 | $728.58 | $1,018.18 | $1,547.22 |
| San Jacinto County | $584.96 | $663.92 | $747.57 | $1,044.73 | $1,587.57 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.